It's not everyone that will adopt bitcoin which will make it impossible for everyone to use bitcoin to pay for goods and service online. Bitcoin blockchain is not designed to carry to big load of transactions and that will become a problem if everyone start paying with bitcoin.

High transaction fee have discouraged a lot of people who planned to add bitcoin as payment method to their businesses because if the blockchain is congested, payment with bitcoin becomes fucking expensive. Lastly, if businesses start accepting bitcoin as payment option, many bitcoin hodlers wouldn't want to spend their bitcoin, because they want profits from it.